“We are experiencing a lot of change in our society,” says Emilio Pardo, the AARP’s chief brand officer who is leading efforts to attract a younger and highly engaged clientele, which he calls “the new 50.” “In many ways, you have not only boomers redefining retirement but also redefining life stages.”

Social Security benefits are modest by any measure and are already being cut — by raising the age of eligibility for full benefits and by deducting ever-rising Medicare premiums from benefit checks. So the benefits provided for under present law will replace, on average, a lower percentage of prior earnings than in the past. To cut them further would undermine all that Social Security has achieved — exposing millions of vulnerable people, both elderly and disabled, to needless economic hardship.